Broad-based arguments about what ought to be are misplaced, at best.
1. Calling an insurer to ask about anything other than a simple process question is asking for trouble. Don't be lazy. Read your policy. Hopefully you have read it long ago so that you know what is and is not covered as many other problems occur.
2. All that matters is what your specific policy covers. Not what even the same card perhaps issued elsewhere offers. Not what was offered last year under your policy.
3. Whether the drone disruption is covered will depend on the specifics of your policy and what was said. That the ultimate factual result was that it was a couple of fools does not change what it was classified as to start with.
4. No matter what you do or do not have.
A. EC 261/2004 means that you were due a duty of care, e.g. hotel and meals. Perhaps for local travelers, transportation to & from home.
B. EC 261/2004 means that you are due a refund or rebooking. Rebooking might not be as you wish and you are then free to book what you want and turn to your insurance carrier if your review of your policy reflects coverage.